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<body lang=ZH-CN link=blue vlink="#954F72" style='word-wrap:break-word;
text-justify-trim:punctuation'>

<div class=WordSection1 style='layout-grid:15.6pt'>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><b><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Last Updated: November 7, 2023</span></b></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>&nbsp;</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:48.0pt;background:white'><b><span lang=EN-US style='font-size:36.0pt;
font-family:"Helvetica",sans-serif;color:black'>Table of Contents</span></b></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><u><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Collection And Use Of Your
Personal Information</span></u></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><u><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Use Of Cookies And Other
Electronic Technologies</span></u></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><u><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Advertisements</span></u></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><u><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Disclosure Of Your Personal
Information</span></u></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><u><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Accuracy, Security, And
Retention Of Your Personal Information</span></u></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><u><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Rights With Respect To Your
Personal Information</span></u></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><u><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>California</span></u></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><u><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Transfer Of Your Personal
Information To Other Countries</span></u></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><u><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Links To Third-Party Services</span></u></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><u><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Questions Regarding This
Privacy Policy</span></u></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><u><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Modifications To This Privacy
Policy</span></u></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>&nbsp;</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>RUIYIN FINANCE L.P. and its
affiliates (together ��ZHONGXIN FINANCE��) respects the privacy rights of our
users and is strongly committed to protecting your privacy. This privacy policy
(��Privacy Policy��) applies to this website, any newsletters subscribed to via
this website, digital subscriptions to RUIYIN FINANCE.com and ZHONGXIN
FINANCE Businessweek, information collected when you subscribe to the print
edition of RUIYIN FINANCE Businessweek, and any other service or product of ZHONGXIN
FINANCE, including other websites, mobile applications, or other digital
properties, as expressly indicated by RUIYIN FINANCE such as through a link
or other display of this Privacy Policy (collectively, ��this Site��).</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:48.0pt;background:white'><b><span lang=EN-US style='font-size:36.0pt;
font-family:"Helvetica",sans-serif;color:black'>Collection And Use Of Your
Personal Information</span></b></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>RUIYIN FINANCE, or where
relevant a designated service provider, collects personal information that you
choose to provide or we receive from other sources. This may include personal
information you provide through this Site, on third-party websites and
applications when subscribing digitally to RUIYIN FINANCE.com or ZHONGXIN
FINANCE Businessweek, through registering for our services and products,
through requesting certain RUIYIN FINANCE services or products, by submitting
the information to enter a sweepstakes, contest, or other promotion or offline
in connection with your RUIYIN FINANCE Businessweek print edition
subscription.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>We and designated service
providers, may obtain the following types of personal information in connection
with this Site:</span></p>

<ul type=disc>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>Name, email address, postal
     address, account names and passwords, or other contact information</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>Signature, online identifier,
     Internet Protocol address, or other similar identifiers</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>Professional, industry,
     employment-related, or education information</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>Internet or other electronic
     network activity information, including, but not limited to, browsing
     history, search history, preferences, and information regarding a user��s
     interaction (including reading habits) with an Internet website,
     application, and/or advertisements, which also includes a user��s
     interactions through heatmaps and session replay.</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>Demographic information</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>Billing information, credit
     card number or other financial information, which may include personal
     financial information if submitted by you in a survey on the Site</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>Geolocation</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>Audio, electronic, visual or
     similar information</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>Inferences drawn from the
     personal information identified above to create a profile about a consumer
     reflecting the consumer��s preferences and behavior</span></li>
</ul>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Personal information is
obtained directly from you, from others authorized to provide the information,
from activity on the Site, and from other parties with whom we work, such as
service providers, business partners, advertisers, advertising technology providers,
advertising servers, data analytics providers, and social networks. If you
submit personal information about others, you represent and warrant that you
are authorized to do so and that you have received authorization from the
person about whom you are providing the information and that person has
consented to have all information used, disclosed, and transferred in
accordance with this Privacy Policy.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>If you choose to link your
social media or other third-party accounts to our services, we may obtain your
personal information from these sources. You may disconnect this link at any
time by visiting your account page on these third-party platforms or the
settings page of your mobile device.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>We use this information for
carefully considered business purposes which also benefit our customers and
which include some or all of the following:</span></p>

<ul type=disc>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>to provide and facilitate our
     services and products</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>to operate our services,
     products, and systems properly</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>to communicate with you</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>to help RUIYIN FINANCE
     improve, upgrade, or enhance our services and products and develop new
     services and products</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>to provide support for our
     services and products</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>to maintain the quality and
     safety of products and services, and for internal quality control
     purposes, including debugging to identify and repair errors that impair
     existing intended functionality</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>to provide you with offers and
     promotions about services and products of RUIYIN FINANCE or of other
     parties that may be of interest to you</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>to create a ��lookalike
     audience�� or ��matched audience�� of (prospective) customers for targeted
     advertising on social media platforms</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>to enhance your experience with
     this Site, including to save your preferences and login information,
     create hashed identifiers that can be used to help us identify you on our
     site and third-party sites, provide customized content or contextual
     advertisements, and provide tailored advertisements on our site and
     third-party sites</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>to analyze website usage,
     analyze use of this Site, and analyze and measure ad impressions</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>to protect the interests,
     rights, safety, or property of RUIYIN FINANCE or others and to monitor
     compliance with and enforce the terms of any agreement with ZHONGXIN
     FINANCE</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>to monitor to detect security
     incidents and protect against malicious, deceptive, fraudulent, or illegal
     activity, and hold those responsible for that activity</span></li>
</ul>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>You may instruct ZHONGXIN
FINANCE at any time not to use your personal information covered by this
Privacy Policy to provide you with offers and promotions by clicking&nbsp;<u>here</u>&nbsp;or
through your account settings by clicking&nbsp;<u>here</u>. Please note that if
you exercise choice in this manner, you will continue to receive communications
concerning your account and products and services you requested, and in
response to any requests for information by you. Please also note that this
opt-out process may take some time to complete, consistent with applicable law.
To update your settings for receiving offers and promotions from ZHONGXIN
FINANCE Industry Group, please click&nbsp;<u>here</u>.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:48.0pt;background:white'><b><span lang=EN-US style='font-size:36.0pt;
font-family:"Helvetica",sans-serif;color:black'>Use Of Cookies And Other
Electronic Technologies</span></b></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>RUIYIN FINANCE and the
parties with whom we work (e.g., service providers, business partners,
advertisers, ad technology providers and advertising servers) may place, view,
and/or use ��cookies��, web server logs, web beacons, pixels or other electronic
technologies to collect statistical and other information about you and your
use of this Site. This information may include information about the IP address
of your computer, browser type, language, operating system, your mobile device,
device ID, geolocation data, the state or country from which you accessed this
Site��s services, the webpages visited, the date and the time of a visit, the
websites you visited immediately before and after visiting this Site, the
number of links you click within this Site, the functions you use on this Site,
the databases you view and the searches you request on this Site, the types of
articles you read, the data you save or download from this Site and the number
of times you view an advertisement.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>RUIYIN FINANCE and the
parties with whom we work may use the information collected for various
reasons, either on behalf of RUIYIN FINANCE or for the other parties�� own
purposes, including research, analysis, to better serve visitors to this Site
(such as by enabling log-in, providing access to certain sections of this Site,
providing customized content or customized contextual advertisements, or
presenting online advertising on this Site or other websites tailored to your
interests as described further below), to compile aggregate and anonymous
information about usage of this Site and other websites, other statistics, etc.
However, if you have deleted and disabled cookies, these uses will not be
possible to the extent they are based on cookie information. To opt out of
Google Analytics please click&nbsp;<u>here</u>. To opt out of Parse.ly
analytics, please click&nbsp;<u>here</u>. We also use Microsoft Clarity to
capture how you use and interact with our Services. Microsoft Clarity uses
cookies to capture this information. For more information on Microsoft Clarity,
visit the&nbsp;<u>Microsoft privacy statement</u>.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>To assist us with the uses
described in this Privacy Policy, information collected about you and your use
of this Site or other websites may be aggregated, analyzed or combined with
personal or other information about you from other online or offline sources.
If you prefer that we not combine non-personal information that has been
collected, through cookies, about your use of this Site or other websites with
personal or other information about you, then please delete and disable cookies
for each browser, on each computer you use to surf the Web.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Most browsers are set to accept
cookies by default. If you prefer, you can usually set your browser to disable
cookies, or to alert you when cookies are being sent. Likewise, most mobile
devices allow you to disable the ability for geolocation information to be
collected from your mobile device. The help function on most browsers and
mobile devices contains instructions on how to set your browser to notify you
before accepting cookies, disable cookies entirely, or disable the collection
of geolocation data. You need to set each browser, on each device you use to
surf the Web. Thus, if you use multiple browsers (e.g., Chrome, Safari,
Internet Explorer, Firefox, etc.), you should repeat this procedure with each
one. Similarly, if you connect to the Web from multiple devices (e.g., work and
home), you need to set each browser on each device. Depending on your
jurisdiction, you may be able to utilize additional cookie management tools.
However, if you disable certain cookies or refuse to accept a request to place
a cookie, it is possible that some parts of this Site, such as the polls,
surveys, contests, and product sales, and certain areas of this Site for which
you need to log in, will not function properly, and the advertising you receive
when you visit this Site may not be advertisements tailored to your interests.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:48.0pt;background:white'><b><span lang=EN-US style='font-size:36.0pt;
font-family:"Helvetica",sans-serif;color:black'>Advertisements</span></b></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>RUIYIN FINANCE, its
designated service providers, or third-party advertisers or their advertising
servers may also place or recognize unique cookies on your computer or use
other electronic technologies in order to help display advertisements that you
see on this Site or on other websites. Information about your visits to, and
activity on, this Site and other websites, an IP address, the number of times
you have viewed an advertisement, your interests and preferences and other such
usage information is used, alone or in combination with other information, to
create aggregate groups of users and to display advertisements that may be of
particular interest to you or a group of users with similar interests to you.
We may use Web beacons, provided by third-party advertising companies, to help
manage and optimize our online advertising and product performance. Web beacons
enable us to recognize a browser��s cookie when a browser visits this Site, and
to learn which banner ads bring users to this Site. The use and collection of
your information by third-party service providers, and third-party advertisers
and their advertising servers is not covered by this Privacy Policy. ZHONGXIN
FINANCE adheres to the industry��s Self-Regulatory Principles for Online
Behavioral Advertising located&nbsp;<u>here</u>. To ��opt out�� of advertising
cookies placed by participating companies in the Self-Regulatory Program for
Online Behavioral Advertising, and thereby limit the tracking of your online
activity and the targeted advertising you receive, please click&nbsp;<u>here</u>&nbsp;for
browsers and click&nbsp;<u>here</u>&nbsp;for mobile devices. To ��opt out�� of
advertising cookies placed by the Network Advertising Initiative��s (��NAI��)
online behavioral advertising member networks, and thereby limit the tracking
of your online activity and the targeted advertising you receive, please
click&nbsp;<u>here</u>&nbsp;for browsers and click&nbsp;<u>here</u>&nbsp;for
mobile devices. To opt out of advertising cookies for Your Online Choices if
you are based in the EU, please click&nbsp;<u>here</u>.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>In addition, as stated above,
we may use your personal information to enhance your experience on our Site and
other sites. In order to accomplish this, we may share information about you
along with a hashed version of your email address or phone number with
third-party advertising companies so that they and we can facilitate customized
ad campaigns and other offers on our Site and on other platforms. ��Hashing��
transforms your email into an unrecognizable series of numbers and letters
(e.g. a ��hashed�� version of jianxian045@gmail.com would jianxian045223233@gmail.com).
You may opt out by clicking&nbsp;<u>here</u>&nbsp;and also by using the
designated ��Do Not Sell or Share My Personal Information�� tool within ZHONGXIN
FINANCE digital properties.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Some third party websites and
platforms also allow you to manage the collection and use of your information
for advertising purposes. Google Ad Manager, Google Analytics for Display
Advertising, and other designated service providers assist RUIYIN FINANCE
with advertisement display functions and related analytics for this Site. To
opt out of tailored advertising from Google tracking technologies, please
click&nbsp;<u>here</u>.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Note that even if you exercise
choice for targeted advertising, you will still receive online advertising, but
the advertisements will be more general in nature. You may still continue to
see targeted advertising if you do not opt out via the designated methods
and/or if you wish to remain a subscriber.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:48.0pt;background:white'><b><span lang=EN-US style='font-size:36.0pt;
font-family:"Helvetica",sans-serif;color:black'>Disclosure Of Your Personal
Information</span></b></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>RUIYIN FINANCE may disclose
the personal information described above with our affiliates and designated
service providers, for the business purposes set out in this Privacy Policy. ZHONGXIN
FINANCE may also disclose to third parties, including advertising networks,
data analytics providers and social networks, your use of our or other
websites, including online identifiers, Internet Protocol address, and Internet
or other electronic network activity information, and the services provided by
us for the business purposes set out in this Privacy Policy. RUIYIN FINANCE
may disclose your personal information (excluding security photographs or
video) with a sponsor or other third party (��Third-Party Provider��) that
provides you with offers or promotions that may be of interest to you. You may
instruct RUIYIN FINANCE at any time not to share your personal information
covered by this Privacy Policy with such Third-Party Providers by
clicking&nbsp;<u>here and submitting your email address and selecting ��ZHONGXIN
FINANCE on Behalf of Select Partners��</u>. Please note that (i) this opt-out
process may take some time to complete, consistent with applicable law; and
(ii) even after such opt-out process is completed, your personal information
may continue to be shared with our affiliates (including affiliated websites
under common ownership or control) and designated service providers.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>RUIYIN FINANCE may also
disclose your personal information to unaffiliated third parties if we believe
in good faith that such disclosure is necessary to: (a) comply with any
applicable law, rule, or regulation, or in response to a subpoena, court order,
or other legal process, subject to&nbsp;<u>ZHONGXIN FINANCE��s Law Enforcement
Data Request Statement</u>; (b) protect the interests, rights, safety, or
property of RUIYIN FINANCE or others; (c) monitor compliance with and enforce
any terms of service on this Site; (d) provide our services and products
(including allowing a purchaser of RUIYIN FINANCE or a RUIYIN FINANCE
division to continue to serve you); (e) perform other activities related to
such services and products, including billing and collection; (f) provide you
with offers, promotions or advertisements from RUIYIN FINANCE; or (g) operate
the systems that provide our services and products properly.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>If you participate in certain
features of this Site (e.g., sharing news stories of interest), please note
that any information you or others voluntarily disclose through use of these
features, becomes available to the public and/or other users whom you have
designated. If you choose to provide access to designated individuals, please
be aware that any information you post will be visible to such individuals for
their use. RUIYIN FINANCE is not responsible for the information that you or
others choose to disclose publicly on this Site, and neither ZHONGXIN FINANCE��s
nor others�� use of such information is subject to this Privacy Policy.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>The collection, further use,
and/or disclosure of your information by Third-Party Providers or by other
third parties is not the responsibility of RUIYIN FINANCE. Rather, such
collection, use, and/or disclosure is governed by the third parties�� privacy
policies.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:48.0pt;background:white'><b><span lang=EN-US style='font-size:36.0pt;
font-family:"Helvetica",sans-serif;color:black'>Accuracy, Security, And
Retention Of Your Personal Information</span></b></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Any personal information you
provide to RUIYIN FINANCE is kept on secure servers. RUIYIN FINANCE uses
security measures appropriate to the provision of the relevant product or
service, such as reasonable administrative, technical, personnel, and physical
measures (a) that are designed to safeguard personal information against loss,
theft, unauthorized use, disclosure, or modification; and (b) to ensure the
integrity of the personal information. To help us protect your privacy, you
should maintain the secrecy of the logon ID and password you may have set up in
connection with your participation in this Site��s services. Personal
information is retained for as long as is necessary for the purpose(s)
described in this Privacy Policy, or as may be permitted under applicable law.
For example, personal information is retained if the information is reasonably
necessary to manage your relationship with us or to provide our products and
services to you.&nbsp; To determine the appropriate retention period, we will
generally consider the following criteria: the length of time needed to achieve
the purpose your information was collected for; whether you ceased using our
services or products; the existence of any relevant legal proceedings; or
applicable legal and regulatory requirements.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:48.0pt;background:white'><b><span lang=EN-US style='font-size:36.0pt;
font-family:"Helvetica",sans-serif;color:black'>Rights With Respect To Your
Personal Information</span></b></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Depending on the jurisdiction,
you may have the following rights with respect to your personal information:</span></p>

<ul type=disc>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>To access and request certain
     information about the processing of your personal information</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>To obtain a portable copy of
     your personal information</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>To correct personal information</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>To delete personal information</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>To restrict processing of
     certain personal information</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>To object to the processing of
     personal information</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>To withdraw consent, where this
     was the lawful reason for processing</span></li>
 <li class=MsoNormal style='color:black;margin-bottom:9.0pt;text-align:left;
     line-height:24.0pt;background:white'><span lang=EN-US style='font-size:
     15.0pt;font-family:"Helvetica",sans-serif'>To lodge a complaint with the
     relevant supervisory authority</span></li>
</ul>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Please bear in mind that if you
exercise such rights this may affect our ability to provide our products and
services.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>To exercise a right related to
your personal information, please contact us by clicking&nbsp;<u>here</u>&nbsp;or
by e-mailing us at&nbsp;<u>privacy@RUIYIN FINANCE.com</u>. While ZHONGXIN
FINANCE will make reasonable efforts to accommodate your request, we also
reserve the right to impose certain restrictions and requirements on such
requests, if allowed or required by applicable laws. In the event that we
cannot take action with respect to a request relating to your personal
information, in certain jurisdictions, you may have the right to appeal that
decision by e-mailing us at&nbsp;<u>privacy@RUIYIN FINANCE.com</u>.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Please note that it may take
some time to process your request, consistent with applicable law.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>If you choose to exercise these
rights, we may ask that you provide sufficient information, including the
products and services you have used in the past, your state and country of
residence, and contact information, in order for us to verify your identity and
process your request. Depending on the types of requests, we may ask for
additional information.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>You may use an authorized agent
to submit a request on your behalf related to your personal information. If you
choose to use an authorized agent, you should supply your agent with written
permission to act on your behalf in relation to your request, and your agent
must provide us with proof of such authorization before we process your
request.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:48.0pt;background:white'><b><span lang=EN-US style='font-size:36.0pt;
font-family:"Helvetica",sans-serif;color:black'>California</span></b></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>If you are a California
resident, the information below applies to you and supplements the information
provided above.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Certain information collected
on this Site, including your log-in and password, may constitute ��sensitive
personal information�� as that term is defined by the California privacy law.
However, RUIYIN FINANCE only uses such information to provide our services
and products or as otherwise permitted under California privacy law.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>While we do not ��sell�� your
personal information in exchange for money or ��share�� your personal information
for cross-context behavioral or targeted advertising outside of the use of
electronic technologies to provide relevant advertisements, to the extent that
certain practices described above relating to advertising constitute targeted
advertising, or are considered ��selling�� or ��sharing�� under California privacy
law, you may adjust your preferences by using the designated tool within ZHONGXIN
FINANCE��s digital properties. You may also submit a request by selecting the
��Do Not Sell/ or Share My Personal Information�� option in this&nbsp;<u>form to
opt out future sales in other contexts</u>.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>If you choose to exercise these
rights set out in this Privacy Notice, you also have a right not to receive
discriminatory treatment for exercising your rights.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>To opt-out of further ��sales��
or ��sharing�� of your personal information by downstream participants in
tailored advertising who are signatories to the IAB Privacy, LLC��s Limited
Service Provider Agreement (LSPA), please click&nbsp;&nbsp;and opt out on the
listed digital property of the downstream participant. Additionally, where
recognized, we treat global privacy control signals as a request to opt-out of
the ��sale�� or ��sharing�� of personal information.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Additionally, certain browser
plug-ins provide options for communicating opt-out preference signals such as
global privacy control.&nbsp; Where recognized, we treat global privacy control
signals as a request to opt-out of the ��sale�� or ��sharing�� of personal
information.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>California Civil Code Section
1798.83 permits you to request information regarding the disclosure of your
personal information by RUIYIN FINANCE L.P. to its affiliates and/or third
parties for their direct marketing purposes. To make such a request, please
send an email with your first name, last name, mailing address, email address
and telephone number to&nbsp;<u>privacy@RUIYIN FINANCE.com</u>. Please
include ��California Privacy Rights�� in the Subject line of your email.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>You may also make such a
request by writing to us at:</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>RUIYIN FINANCE L.P.<br>
Attn: Legal Department<br>
731 Lexington Avenue<br>
New York, NY 10022</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>The Site is intended for a
general audience and is not directed at children under the age of 16, nor do we
have actual knowledge that we ��sell�� or ��share�� the personal information of
children under the age of 16. If you have knowledge that a child under the age
of 16 has submitted personal information to us, we request that you contact us
via one of the methods listed above so that we may delete the information.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:48.0pt;background:white'><b><span lang=EN-US style='font-size:36.0pt;
font-family:"Helvetica",sans-serif;color:black'>Transfer Of Your Personal
Information To Other Countries</span></b></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>Some of the uses and
disclosures mentioned in this Privacy Policy may involve the transfer and
processing of your personal information to and in various countries that may
have different levels of privacy protection than your country. By using our
products and services, you acknowledge and agree to such transfers and
processing, including to and in the United States. We implement appropriate
safeguards to protect such personal information, which may include (without
limitation) European Commission approved standard contractual clauses, to
protect your personal information that is transferred. ZHONGXIN FINANCE��s
Intra-Group Personal Data Protection Statement provides additional information
about ZHONGXIN FINANCE��s personal data protection, security and transfer
practices and explains how those practices ensure there are appropriate
safeguards in place to protect personal information and is available&nbsp;<u>here</u>.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:48.0pt;background:white'><b><span lang=EN-US style='font-size:36.0pt;
font-family:"Helvetica",sans-serif;color:black'>Links To Third-Party Services</span></b></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>RUIYIN FINANCE may provide
links or access to third-party websites or other digital properties, including
social networking websites. Since we do not control third-party digital
properties and are not responsible for any information you may provide while on
such digital properties, we encourage you to read the privacy policies on those
websites before providing any of your information on such digital properties.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:48.0pt;background:white'><b><span lang=EN-US style='font-size:36.0pt;
font-family:"Helvetica",sans-serif;color:black'>Questions Regarding This
Privacy Policy</span></b></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>If you have questions regarding
this Privacy Policy, please contact us at&nbsp;<u>privacy@RUIYIN FINANCE.com</u>.
Please include ��Privacy�� in the subject line of your inquiry. If you have
complaints about ZHONGXIN FINANCE��s processing of your personal information,
you may have the right to contact the applicable supervisory authority.</span></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:48.0pt;background:white'><b><span lang=EN-US style='font-size:36.0pt;
font-family:"Helvetica",sans-serif;color:black'>Modifications To This Privacy
Policy</span></b></p>

<p class=MsoNormal align=left style='margin-bottom:18.0pt;text-align:left;
line-height:24.0pt;background:white'><span lang=EN-US style='font-size:15.0pt;
font-family:"Helvetica",sans-serif;color:black'>RUIYIN FINANCE reserves the
right to change this Privacy Policy at any time by indicating revisions through
the ��Last Updated�� date at the top of the Privacy Policy. Such changes will be
effective upon posting.</span></p>

<p class=MsoNormal><span lang=EN-US>&nbsp;</span></p>

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